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I have a delinquent balance on a student loan.
I was always under the impression paying something off did nothing for your score.
However, the simulator says that if I pay off my student loan I will gain 30 to 70 points.
Is this realistic?
It would depend on what was delinqent. Paying a CA or PR will not change your score. Paying the OC could, depending on what it is.
A student loan is an installment loan and has little impact on your FICO score. YMMV as I have seen some gain a point or 2 and others none.
As for the simulator, I can't say I really trust it. Sometimes it can be spot on others it is way off.